I'm a UW distributor - I reckon on an average £3pm per customer - it's nearer 1 for just an energy customer, nearer £4, even £5 for someone with phone and broadband too. Don't see any reason to stay well clear - they are regulated just like every other utility and telecoms provider and as a company they have no debt.

Citi's reply reads like this: (paragraphs and quote marks as set out by them) __ Thank you for your recent request for information. We regret to inform you that Section 78 CCA 1974 does not require Citifinancial to provide you with a copy of the executed agreement as you appear to believe. It requires Citifinancail to privide you with a "copy of the executed agreement" as defined by the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983. The obligation to provide you with that document is fulfilled by the provision of the terms and conditions whcih are supplied to customers on reissue of their card, being printed on the card carrier. We enclose a copy of the terms and conditions for your account. This is an industry standard document and conforms to the regulations. We set out below a summary of the same for your information. 180 power to prescribe form etc of copies (1) Regulations may be made as to the form and content of documents to be isued as copies of any executed agreement, security instrument or other document referred to in this act and may in particular - (a) require specified information to be included in the prescribe manner in any copy, and contain requirements to ensure that such information is clearly brought to the attention of a reader of the copy. (b) authorise the omission from a copy of certain material contained in the original, or the includion of such material in condensed form. The conusmer Credit (Cancellation Notices and copies of Documents) Regulations 1983 make it clear at Reg 3 that the "copy executed agreement" is not required to be an exact replica of the origianl agreement par se but an extract since it allowed to omit certain information including any signature box, signature or date of signature. __ Help!

Hi, I have read the thread by Gizmo above and think I'm OK, but I would just like clarification. I have asked Capital 1 and Citi for copies of my CCA agreements - I have asked 2 others as well, but no replies yet. Capital 1 Have sent me a copy of my current terms and conditions and that's it. I'm sure that's not right, so just need to know my next step - I think it's to write and say 'it's an unforcable debt, stop charging me interest and charges. I'm sure I've seen a letter, but I'm blowed if I can find it now, so any pointers would be great. Citi Have written saying that the 1983 act does supercede the the 1974 act and they just need to provide me with current terms which as issued when they send me a new card. I'm not sure what to do with this response - it seems quite well thought out. I'll copy type the letter into the next post. Help would be most appreciated. Adrian

I'm interested, as I'm sending these letters off at the moment - I will have to resend one as I didn't send it recorded, but why no signature? Cheers Adrian

Are you a utility warehouse customer? They do one that doesn't need a credit check - you have to load it with money first, so it isn't a credit card, but it does allow plastic spending abroad.